Digital India : Empowering Citizens

RS Sharma Chairman, Telecom Regulatory Authority of India (TRAI) [email protected] A Mission to transform India into an empowered society and digital economy

Digital Infrastructure as a utility to every citizen Governance and Services on Demand Digital Empowerment of citizens Nine Pillars of Digital India JAM Trinity

•A massive program of Financial Inclusion Jan‐Dhan •More than 200 million bank accounts opened

•Digital‐online ID Infrastructure •More than a billion IDs issued Aadhaar •Unique, online and Authenticable

•Tool to access internet and service delivery •More than a billion mobile phones in India Mobile •Lowest tariffs in the world Aadhaar Powers Various Applications

Payments Mobile DBT SIMs

Digital Consent Locker Aadhaar Tokens

Uniqueness Tax eSign Authentication Compliance eKYC

Life Proof of Certificates Presence Enabling Access Privacy Control Thanks! Features of Aadhaar

Only Numbers –No Smart Cards

Random Numbers –No Intelligence, No Profiling

Voluntary in nature

All Residents – Including Children

Uniqueness – Ensured through biometric attributes

No Guarantees to Citizenship, Rights, Entitlements

Ensuring Security and Privacy of Information

Ubiquitous Authentication –From No ID to Online ID 1 Billion in 5½ Years A Ubiquitous Digital Identity 50 M Infrastructure for 100 M a digital India

300 M Aadhaar system 600 M can authenticate 950 M 100 M 1064 M transactions per day, in real time! Source: Data from http://www.uidai.gov.in 8 Service Delivery Potential of Aadhaar

• Uniqueness and Existence ensures no fakes or duplicates •KYC for multiple services : Bank accounts, Financial inclusions, Mobile Connections, Social Assistance Programs • Entitlements should reach the intended beneficiary – non‐ transferability can be ensured by authentication at the point of service delivery •Many domains will be able to use as a proof of presence for the beneficiary

•Identity platform for various domains • Aadhaar online authentication provides a common platform which can be used across all applications. We will go from data poor to data rich nation in 5 Years!

Social

Commerce

Machine Payment Learning & Algorithms

Paperless Process

Digital Identity Cashless, Paperless & Presence-less Service Delivery

10 Aadhaar is one of the most critical enabler for India’s technology stack

COMMERCE CREDIT INVESTMENTS SKILLS OTHERS (GSTn) (RBI) (SEBI)

Provides a modern privacy data Open Personal Data Store, CONSENT LAYER sharing framework E-sign

Game changing electronic payment CASHLESS LAYER systems and transition to cashless IMPS, AEPS, APB, and UPI economy

Rapidly growing base of paperless Aadhaar e-KYC, PAPERLESS LAYER systems with billions of artifacts E-sign, Digital Locker

I N D I A S T A C K A S T A I N D I Unique digital biometric identity with Aadhaar Authentication PRESENCE-LESS LAYER open access of nearly a Billion users

JAM Jan Dhan, Aadhaar, Mobile Why is the India Stack disruptive?

Allows Innovation

Broad based, ubiquitous, No physical presence inclusive platform required (reduces more costs)

Aligns market goals Cuts Onboarding with social goals Costs

Increases trust - allows Cuts Transaction a new business Costs architecture to emerge

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